ZIP 92561 Insurance Data

Data Snapshot: ZIP 92561 (Mountain Center, CA)

ZIP 92561 (Mountain Center, CA) shows an average homeowners insurance premium of $2,721 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 4 reported policies. That is 53% above the national average of $1,776 per year, placing this ZIP in the 92th percentile nationally. Compared to the California state average of $1,864, this ZIP runs 46% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 92561 is 92.5%, meaning insurers are operating on thin margins here. Claim frequency — the share of policies with at least one claim — is 2.10%, and the average claim severity (amount paid per claim) is $119,923. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 4.43% in this ZIP, a rise of 1662.7% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 92561 have risen by 25.8%, ranging from $2,163 to $2,721 with a five-year average of $2,342 — an annualized rate of +5.9% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.